Proven Tricks to Lowering Your Toyota FJ Cruiser Insurance Rates

Are you a victim of high-priced auto insurance? Believe me when I say many consumers are in the same pinch. Companies like Allstate and Progressive all promote huge savings with fancy advertisements and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

It is always a good idea to compare premium rates before your next renewal because auto insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest rates for FJ Cruiser coverage a couple years back the chances are good that you can find a lower rate quote today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to get good coverage at a lower rate.

If you have a current auto insurance policy or are shopping for new coverage, you can use this information to shop for the lowest rates and possibly find even better coverage. Finding the best rates is quite easy. Drivers just need to understand the tricks to buy auto insurance online.

Lower your auto insurance rates with discounts

Auto insurance is neither fun to buy or cheap, but there may be some discounts to help offset the cost. A few discounts will automatically apply when you complete an application, but less common discounts must be requested specifically before they will apply.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and can earn a small discount on your policy.
  • No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on in comparison with insureds who have frequent claims or accidents.
  • Waiver for an Accident – Not really a discount, but companies like GEICO, Progressive, and Allstate allow you one accident before they charge you more for coverage so long as you haven’t had any claims prior to being involved in the accident.
  • E-sign – Some auto insurance companies provide a small discount for buying your policy on the internet.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a discount up to 10% for FJ Cruiser coverage.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates for FJ Cruiser coverage as compared to drivers with claims.
  • Discount for Swiching Early – A few larger companies allow discounts for switching companies prior to your current policy expiration. It can save you around 10%.
  • Data Collection Discounts – Insureds who allow data collection to study driving manner by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as the data is positive.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, you’re out of luck.

If you would like to see a list of companies that offer multiple discounts, click here to view.

Which is the best auto insurance?

When choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • Do I need added coverage for expensive stereo equipment?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What discounts do I qualify for?
  • What are no-fault laws?
  • Am I covered when driving on a suspended license?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When would I need additional glass coverage?
  • Are split liability limits better than a combined single limit?
  • Is my Toyota FJ Cruiser covered for smoke damage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family. car insurance

Car insurance agents are professional risk managers

Many drivers still prefer to sit down and talk to an agent and often times that is recommended Licensed agents will help you protect your assets and help you file claims. One of the great benefits of comparing rate quotes online is the fact that you can find lower rates but also keep your business local. And supporting local insurance agencies is important especially in smaller communities.

To make it easy to find an agent, after completing this simple form, your information is submitted to participating agents who want to provide quotes for your business. You won’t even need to contact any agents since rate quotes are delivered immediately to your email address. In the event you want to get a rate quote from a particular provider, feel free to jump over to their website and fill out the quote form the provide.

If you prefer to select from a list of insurance agencies near you, find a local auto insurance agent.

Choosing an company shouldn’t rely on just a cheap quote. These are some questions your agent should answer.

  • What company holds the largest book of business for them?
  • Will high miles depreciate repair valuations?
  • How many companies do they write for?
  • Can you choose the body shop in case repairs are needed?
  • Is working in the agency their full-time job?
  • Which family members are covered?

But they said I’d save $398 a year!

Consumers can’t ignore all the ads for auto insurance savings by 21st Century, Allstate and State Farm. They all have a common claim that drivers will save a bundle if you move your auto insurance policy to them.

How does each company offer you a better deal?

Most companies have specific criteria for the type of insured that earns them the highest profit. For example, a desirable insured should be a mature driver, has had continuous coverage, and has excellent credit. A propective insured who matches that profile will probably get cheap prices and will also save if they switch.

People who are not a match for these criteria will be charged higher premium rates with the end result being the customer buying from someone else. The trick is to say “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently make the claims of big savings.

This really emphasizes why you should get as many as possible. It is just not possible to predict which auto insurance company will be your best fit.

You can lower your rates

Low-cost Toyota FJ Cruiser insurance is possible on the web and from local agencies, so you need to with both in order to have the best chance of saving money. Some auto insurance companies may not provide online rate quotes and these regional insurance providers provide coverage only through independent agents.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. There are a lot of situations where an insured dropped physical damage coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find for the lowest cost.

We’ve covered some good ideas how to compare Toyota FJ Cruiser insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers could even find that the lowest prices are with an unexpected company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, GEICO and Progressive.